Today we sit down with Ty. She's a 21-year-old based out of San Antonio Texas. She only brings in $16 a month more than she spends. She also has about $10,000 in student loan debt...

Today we sit down with TyShawn Allen. She is 26 years old and has accumulated $18k in car debt, 9 credit cards, and an unknown amount of student loans... while at the same time, she quit her only stable job.

Today we sit down with Teryca Brooks-Long. She has $250,000 in private student loan debt, a $15,000 car loan, a nearly maxed-out credit card, and the IRS is after her and her father.

Today we sit down with Gabriel Schulze. He's a college student at UT with one more year to go. He cash flows most of his college expenses, but he still spends 10% of his monthly income on just coffee shops.

Today I sit down with Joseph Garcia. He makes well over the median US income, but he and his family still finance every purchase they make.

Today I sit down with Stev. He took 6 months off of school and work and blew his savings. His mom enables his reckless behavior all while he makes excuses for every choice he makes.

Today I sit down with Lauren. She pays $1,000 a month for a $15,000 car while making $15 an hour. She has $5,000 in collections and debt to a university... she makes endless excuses.

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